General Terms and Responsibilities (Terms of Usage)

We cordially welcome you to LibertyAutoLoan.com and thank you for our patronage and/or use of this web site. It is our hope that the services and content provided by LibertyAutoLoan.com will assist you with research, evaluation, and, most especially, in obtaining financing for a vehicle. LibertyAutoLoan.com is a “Consumer Connection” company that helps people who are seeking auto financing – especially people who have credit challenges – get connected with auto finance specialists through our affiliate network of auto dealers and lenders. Please note that we do not approve credit applications, finance auto purchases, or sell automobiles retail.

LibertyAutoLoan.com is owned by Edge Marketing, LLC of Castle Rock, Colorado, USA. For questions, concerns, or issues concerning this web site, or any of the services offered on or provided through LibertyAutoLoan.com, please send an email to: [email protected].

Provided in these Terms of Usage (Terms of Use) are the terms and conditions that apply to your access and use of this web site, which includes all information, content, products, and services made available to you through LibertyAutoLoan.com. By your use of LibertyAutoLoan.com you accept, without limitation, and agree to fully comply with, all of the terms and conditions as stated in these Terms of Usage that form a legally binding agreement between you and Edge Marketing, LLC. If for any reason you do not accept the Terms of Use please discontinue your use of LibertyAutoLoan.com.

It is the intention of Edge Marketing, LLC that the information, materials, and general content provided on LibertyAutoLoan.com be reliable and accurately presented, however, errors and omissions can and will occur in the course of regular business, and as such, the information presented should not be a user’s sole source of information. We strongly encourage that in any research involving a financial transaction that the consumer review multiple sources and also consult his or her tax and financial advisors. Additionally, improvements, enhancements, additions, and changes may be made to the content on this web site at any time by Edge Marketing, LLC. These may or may not be disclosed to users.

We reserve the right, as part of these Terms of Use, to modify, upgrade, change, or otherwise adjust the terms of this agreement as well as our Privacy Policy (available separately on this web site) when we believe appropriate and without notice. These changes, when they occur will be effective immediately. You should check back to review any changes that may have been made to these Terms of Usage and Privacy Policy to understand what terms and conditions apply to your use of LibertyAutoLoan.com. As noted above, if you, as a user of this web site, disagree with any of the Terms of Use, you should discontinue use of this web site immediately.

Edge Marketing, LLC is not a lender or auto dealership

Edge Marketing, LLC is not a lender or originator of loans or credit decisions in connection with financing nor are we an automotive dealership or brokerage. Edge Marketing, LLC does not recommend, endorse, or in any way favor any of the products or services of any affiliate lender or affiliate automotive dealership that may obtain your finance application request form from us through our web site. When you fill out your Credit Application on this site and submit it to us, we will forward that form to one or more of our lender or dealer affiliates through our affiliate network. These affiliates will contact you and attempt to assist you with financing and/or vehicle purchasing. Note: In most cases, this Credit Application will be used as a true and final credit application by our affiliates, so it is important that you fill it out accurately and completely.

Edge Marketing, LLC does not act in any capacity as an agent on your behalf, nor of any lending institution, or any participating automobile dealership, or any other participating company or organization. Edge Marketing, LLC’s services are only for providing a connection to a service provider, general administrative, and consumer research purposes. The loan products and options, vehicle purchase options, and other services made available by participating lenders and automobile dealerships should be evaluated by you using your own judgment and with the input of your own financial advisor(s) and broad research using multiple sources.

The lender and/or automotive dealership that facilitates your financing is/are solely responsible for its/their services to you and you agree that Edge Marketing, LLC shall not be liable for any costs or damages of any type that arise from, or are in any way connected, with your personal decision to use of any of these products or services.

Edge Marketing, LLC and/or any participating affiliates or other advertisers reserve the right to suspend, discontinue, terminate, and/or modify the offering of any financing product in any state through this web site as well as to suspend, discontinue, terminate, and/or modify the offering of any other product or service through this web site at any time.

Edge Marketing, LLC does not guarantee that any applicant and/or user will be accepted into or approved for any loan program or the specific financing terms and conditions with any lender participating in, or represented by a dealer in, the program. Any and all standards for financing approval are developed, established, and maintained solely by individual lending institutions. Additionally, Edge Marketing, LLC does not guarantee in any way the financing terms, financing rates, or any other aspect of a financing offer or deal made between you, the user, and any of the lenders that are participating in the program through this web site are the best terms or rates available in the general finance market. Unless it has been expressly stated in writing, nothing contained herein shall in any way constitute an offer or promise for a loan commitment or any type of interest rate “lock-in” agreement.

There is no guarantee that a loan will be given or even offered to any party who uses the connection services provided by Edge Marketing, LLC through LibertyAutoLoan.com.

Ownership and Licensing

This web site (LibertyAutoLoan.com) and any and all content associated with, and displayed on it, including all video, text, graphics, and imagery, as well as any data, software, and information used to produce and provide LibertyAutoLoan.com, are owned by Edge Marketing, LLC, and/or its owners, partners, licensors, licensees, and affiliates and are protected under trademark, copyright, and other applicable laws and treaties, including all applicable intellectual property laws. In addition, and source code, programs, embedded routines, associated services and information, as well as all copyrights, trademarks, patents, and other intellectual property rights are also owned by Edge Marketing, LLC, and/or its owners, partners licensors, licensees, and affiliates.

You are granted, as part of this agreement, the nonexclusive and limited right to view, access, or download one copy of the content from this web site. You are granted this right solely for your own personal use and as you deem necessary for your personal use of the services offered on LibertyAutoLoan.com and only as authorized in these Terms of Use. You may not copy, modify, display, distribute, or in any other way use any element from LibertyAutoLoan.com for any purpose without written consent from Edge Marketing LLC that expressly states that you may do so. You expressly agree that you do not acquire any type of ownership right by viewing, downloading, or accessing any of the content on the web site whether or not that material is copyrighted. You also expressly agree that you will not use any content from this web site for any commercial purposes whatsoever.

LibertyAutoLoan.com contains copyrighted works, trademarks, service marks, and other information and material owned by Edge Marketing, LLC. It may also contain copyrighted works, trademarks, service marks, and other information from organizations that are affiliated with, or advertising on, LibertyAutoLoan.com. You expressly agree that you will not copy, use, or in any way infringe upon, alter, remove, or copy these copyrighted works, trademarks, service marks, and other information. You also agree that you will not reproduce, mirror, frame, display, retransmit, or represent any of the web site itself and any content, text, graphics, video, or code from the web site without the express written permission of Edge Marketing, LLC.

Your use of LibertyAutoLoan.com is at Your Own Risk

Before acting on any material or content you have found on LibertyAutoLoan.com, you should obtain independent confirmation of any such material or content that is part of your decision. YOU EXPRESSLY AGREE THAT, SHOULD YOU MAKE THE CHOICE TO RELY ON ANY INFORMATION, CONTENT, PRODUCT, OR SERVICE MADE AVAILABLE THROUGH LibertyAutoLoan.com, YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND EXPRESSLY AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR RESULTING FROM YOUR USE OF ANY INFORMATION, CONTENT, PRODUCT OR SERVICE MADE AVAILABLE THROUGH LibertyAutoLoan.com.

LibertyAutoLoan.com may allow third parties to advertise products or services offered by third-party vendors, either from third party web sites or using other marketing channels. With respect to such third party advertising, LibertyAutoLoan.com is not involved in the selling of these advertised items and is not involved in any transaction between any seller and buyer. Without limiting the foregoing, Edge Marketing, LLC does not endorse, represent, manufacture, collect payments on behalf of third parties, or in any way deliver any item that is advertised by a third-party advertiser. YOU EXPRESSLY AGREE THAT, SHOULD YOU CHOOSE TO DO BUSINESS WITH, OR PURCHASE ANY PRODUCT OR SERVICE FROM, ANY ADVERTISER ON THE LibertyAutoLoan.com WEB SITE THAT YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR THAT RESULTS FROM YOUR PURCHASE OR USE OF ANY PRODUCT OR SERVICE MADE AVAILABLE TO YOU FROM SUCH ADVERTISERS.

Links to third-party Web Sites

LibertyAutoLoan.com contains links and may also make reference to third-party web sites that have no relationship or affiliation with Edge Marketing, LLC. These links may allow you to open a browser window to display another web site or cause you to leave LibertyAutoLoan.com entirely to access the third-party web site. Edge Marketing, LLC does not operate or control, nor inspect or review these sites is not responsible for any content or information displayed on them. The links to third-party web sites are provided to users of LibertyAutoLoan.com for reference purposes and user convenience and do not imply endorsement by Edge Marketing, LLC of any of these third-party web sites or any offers or content they contain. Edge Marketing, LLC disclaims all liability with regard to your choosing to access any of these third-party web sites and your access to any other third-party web sites linked to from LibertyAutoLoan.com is solely and completely at your own risk. Your use of this site provides your agreement that Edge Marketing, LLC is not in any way responsible for the availability or quality of products or services offered by, or any content made available on, any of these third-party web sites.

Limitations of Liability

NEITHER EDGE MARKETING, LLC, NOR ANY OF ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR LICENSEES SHALL HAVE ANY LIABILITY FOR ANY OR ALL ERRORS, OMISSIONS, INACCURACIES, OR ANY OTHER DEFECTS IN THE INFORMATION PROVIDED ON LibertyAutoLoan.com. IN NO EVENT SHALL EDGE MARKETING, LLC, ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR ITS LICENSEES OR PROVIDERS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, OTHER THAN DIRECT DAMAGES, ARISING OUT OF YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, LibertyAutoLoan.com OR ANY CONTENT, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH LibertyAutoLoan.com, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR SIMILAR DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST REVENUES OR PROFITS, OR LOSS OF BUSINESS OR DATA, EVEN IF EDGE MARKETING, LLC OR ANY SUCH OTHER PERSON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. In addition, you also agree that, without limiting the foregoing, the entire liability, if any, of Edge Marketing, LLC, its owners, partners, licensors, licensees, or affiliates, arising out of any kind of legal claim, whether in contract, tort or under any other legal theory, arising out of your access to, or use of, or inability to use, LibertyAutoLoan.com or any content, products or services made available through LibertyAutoLoan.com will not exceed the amount that you paid to Edge Marketing, LLC for the use of LibertyAutoLoan.com.

Because some jurisdictions do not allow the disclaimer, exclusion or limitation of consequential and/or incidental damages, the previous disclaimer, exclusion, and limitation may not be applicable to you. You may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

Disclaimer of Warranties

ALL INFORMATION, PRODUCTS, CONTENT AND OTHER MATERIALS IN THE SITE, ACCESSIBLE FROM THE SITE, OR IN A THIRD-PARTY SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. THIS MEANS THAT LibertyAutoLoan.com EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE AND NON-INFRINGEMENT AND THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, LibertyAutoLoan.com DOES NOT REPRESENT OR WARRANT THAT: (I) THE OPERATION OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED; (II) DEFECTS WILL BE CORRECTED; (III) THE SITE, ANY EMAILS SENT BY LibertyAutoLoan.com, OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL DEVICES; (IV) THE SITE WILL BE AVAILABLE TO YOU OR THAT YOU WILL QUALIFY FOR PRODUCTS OR SERVICES OFFERED; (V) THE MATERIALS IN THE SITE WILL BE ACCURATE AS OF ANY PARTICULAR DATE; OR (VI) THE PRODUCTS OR SERVICES OFFERED THROUGH THE SITE ARE AVAILABLE OUTSIDE OF THE UNITED STATES OR IN JURISDICTIONS IN WHICH THIRD PARTY PROVIDERS IS NOT PROPERLY LICENSED TO DO BUSINESS.

IF YOU ARE IN A STATE THAT DOES NOT ALLOW A DISCLAIMER OF IMPLIED WARRANTIES, THE ABOVE DISCLAIMER OR A PORTION OF IT MAY NOT APPLY TO YOU.

NO MATERIAL, CONTENT OR ANY OTHER INFORMATION, WHETHER VERBAL OR IN WRITING, OBTAINED BY YOU FROM LibertyAutoLoan.com OR THROUGH OR ANY SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT OF USAGE.

You agree that, as with any online service, content omissions, service interruptions, delays, information inaccuracy, typographical errors, and/or other problems with the content, products and services available through, published on, or promoted via LibertyAutoLoan.com are inevitable. This includes material, content, products, and services referred to, advertised, or promoted on, or sold though LibertyAutoLoan.com. Neither LibertyAutoLoan.com, nor any of its owners, employees, contractors, partners, affiliates, licensors, or licensees warrant that LibertyAutoLoan.com or the server that makes it available are free of viruses or other harmful elements, will provide uninterrupted service, or are error-free in regard to material or content, nor does LibertyAutoLoan.com make any warranty as to the results that may be obtained from the use of LibertyAutoLoan.com, or as to the completeness, accuracy, or reliability of the information or of any material, content, product or service provided or made available through LibertyAutoLoan.com.

WITHOUT LIMITATION TO THE GENERALITY OF THE FOREGOING AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, REWARDS, ITS OWNERS, EMPLOYEES, CONTRACTORS, PARTNERS, AFFILIATES, LICENSORS AND LICENSEES SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED BY STATUTE OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Release and Indemnification

You agree to release, defend and hold harmless LibertyAutoLoan.com, its owners, employees, contractors, partners, affiliates, licensors and licensees from and against any and all claims, costs, demands, losses, damages and expenses, including, without limitation, attorney’s fees, arising from or relating to: (i) your access to or use of LibertyAutoLoan.com or your breach of this Terms of Use or for any matter for which you are responsible or liable under the terms of this Terms of Use, or (ii) any dispute between you and any third-party, including, without limitation, any other user, any advertiser, or any party to any actual, prospective or terminated sale or transaction.

Consent for Contact under the TCPA

When you fill out and submit your financing application on this web site, you give express consent to LibertyAutoLoan.com and up to five (5) automotive dealers, lenders, and/or other affiliates to contact you with regard to your loan application and/or to provide other offers as appropriate. You also give express consent that LibertyAutoLoan.com and any of these dealers, lenders, and/or other affiliates may make contact with you using automated dialing systems (ATDS), text messages, voicemail drop, as well as through automated or pre-recorded messages to any of the phone numbers that you have provided on your application even if one or more of those phone numbers is currently listed on any corporate, state, or federal “Do Not Call” list. Please note that your express consent is not required for us to provide services to you but it may be more difficult for LibertyAutoLoan.com to place your application with one of our lender or dealer affiliates if you choose to not give your consent using the “no consent” option on the financing application.

Use of Credit Reports and Personal Credit Information

You expressly acknowledge and agree that by checking the box on our Credit Application that states: “I have read the Terms of Use and privacy policy and authorize your affiliate lenders or dealers to check my credit report.” and by submitting a Credit Application through LibertyAutoLoan.com you are affirming on behalf of the stated Requestor(s) of Financing the following: “I authorize any and all credit/finance or dealer affiliate and their employees, agents and potential assignees to access, obtain and verify information about me (including one or more credit reports, information about my employment and personal banking, and credit relationships) that any of them may deem necessary or appropriate in evaluating my request for financing. If my Credit Application is being used to help obtain credit and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate purpose. I further understand that multiple credit reports may be obtained by multiple credit/finance or dealer affiliates in an attempt to process my financing request.” I understand that by checking the box “A cosigner is available if necessary” that I may be asked to provide additional information about the cosigner and the cosigner will be asked to provide authorization to access and obtain the cosigner’s credit report.

Use of Cookies

When you access the LibertyAutoLoan.com web site, as a general business practice, we may place “cookies” on your computer under certain circumstances. “Cookies” are data “identifiers” that are sent to your computer from a web server and then are stored on the hard drive in a computer. We use these cookies to help us to know you are a returning visitor to the web site should you visit the site more than once. Additionally, we also utilize cookies to identify how you found the LibertyAutoLoan.com web site. Cookies are designed and intended to NOT allow anyone to obtain data from your computer, your email, or gather any of your personal information. As part of privacy protection, cookies are not used to transmit, via the internet, or store any personal information. Note that in most cases with most browsers, you can choose to reject the use of cookies by adjusting the settings on your browser. Should you choose to reject cookies from us, it is possible that some of the pages and/or materials from the LibertyAutoLoan.com web site may not load properly. In addition, the web site may require you to provide and/or enter information more often. Lastly, access to certain pages, content, or specific areas of the LibertyAutoLoan.com web site may not be allowed.

Interaction Services and Posting of Information and Ideas

LibertyAutoLoan.com may, in the course of ordinary business, provide a wide variety of services on LibertyAutoLoan.com. Using some of these services, you may be able to directly interact with other users and customers of LibertyAutoLoan.com through the utilization of services such as email, blogs, forums, chat rooms, social media options, communications tools, classifieds and other user-submitted advertising (where allowed), as well as other public posting areas (“Interaction Service(s)”). LibertyAutoLoan.com cannot and does not review every posting made in our chat rooms, blogs, forums, and other public areas. These areas will include comments, opinions and general information from a diverse group of individuals and organizations. Reward does not endorse or guarantee the accuracy of any posting, even if that posting was from a member of our staff. LibertyAutoLoan.com are not responsible or liable for, and do not assume any responsibility with respect to, the views and opinions expressed by any and all individuals posting on any Interaction Service.

As a rule, we do not review private electronic messages that are not addressed specifically to LibertyAutoLoan.com. We do, however, reserve the right to review such messages and to use any other forms of information available to us as a result of your use of LibertyAutoLoan.com in order to comply with applicable laws, to enforce our Terms of Use, or to protect the rights, property or safety of visitors to LibertyAutoLoan.com, our users and customers, the public at large, or LibertyAutoLoan.com, and its owners, employees, contractors, partners, affiliates, licensors or licensees. Edge Marketing, LLC reserves the right, without assuming any obligation, to review the material or content of LibertyAutoLoan.com, including message boards, forums, blogs, chat rooms, and other information posted to LibertyAutoLoan.com to determine compliance with this Terms of Use and to satisfy any law, regulation or authorized request by a government agency. In our sole discretion, LibertyAutoLoan.com staff shall have the right to deny a post, delete, move, or edit any messages or other postings that come to our attention that we consider vulgar, dangerous, unacceptable, offensive, or in any other way inappropriate.

You agree not to submit, post, or in any way transmit through LibertyAutoLoan.com or any associated message boards, forums, blogs, chat rooms, or listings, any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, defamatory, invasive of privacy or publicity rights, obscene, profane, misleading, fraudulent or otherwise objectionable, that encourages conduct that would constitute a criminal offense or give rise to civil liability or otherwise violate any law, or that, without our express prior approval, contains advertising or solicitation messaging.

Note that the sender of any communications to LibertyAutoLoan.com (or otherwise to the owners, employees, or contractors of LibertyAutoLoan.com), or the posting to any associated message boards, forums, blogs, chat rooms, listings, or other Interaction Service shall be solely responsible for the content and information contained therein. By posting material or content, you represent and warrant that you: (i) either own or (ii) otherwise control all rights necessary for you to provide, upload, post, or submit that material or content. Without limitations to the foregoing, you shall be solely liable for any damage resulting from any infringement of trademarks, service marks, copyrights, proprietary rights, or any other harm resulting from any content or other material submitted by you to LibertyAutoLoan.com or any associated Interaction Service. LibertyAutoLoan.com reserves the right to deny access to LibertyAutoLoan.com and any associated Interaction Service to anyone who is in violation of this Terms of Use or who infringes on the rights of others or interferes with the ability of others to use and enjoy this web site. LibertyAutoLoan.com will comply with any and all requirements of law regarding message disclosure to other parties, including law enforcement agencies and governmental agencies.

As part of your use of or interactions with LibertyAutoLoan.com and any associated Interaction Service, you may post or otherwise submit specific material, content, information, ideas, concepts, strategies, techniques, data, or inventions (collectively, “Concepts”) to our organization via LibertyAutoLoan.com. LibertyAutoLoan.com makes no claim of ownership of any such Concepts that is posted or communicated to us by customers or users however, by submitting communications, materials or Concepts to any Interaction Service or any public area of LibertyAutoLoan.com, or via email communications to LibertyAutoLoan.com, you irrevocably grant LibertyAutoLoan.com, its owners, employees, contractors, partners, affiliates and licensees the royalty-free, perpetual, non-exclusive right and license to use, reproduce, modify and distribute such material and Concepts alone or as incorporated into other works in any form on a worldwide basis. You also permit any other user of LibertyAutoLoan.com to access, view, and store or reproduce the material and/or Concepts for that user’s personal use, which may include disclosure to other parties. By posting or submitting such information, you hereby waive any and all claims that LibertyAutoLoan.com in any way violated or infringed upon or misappropriated any such materials, communications, or Concepts.

Data Security Measures

LibertyAutoLoan.com uses reasonable electronic, procedural, and physical methodologies to protect, safeguard, and help prevent unauthorized access to user data.

WHILE WE BELIEVE THESE EFFORTS TO BE REASONABLE TO HELP ENSURE THE CONFIDENTIALITY OF YOUR PRIVATE AND PERSONAL INFORMATION, EDGE MARKETING, LLC DOES NOT WARRANT AND DOES NOT GUARANTEE THE ABSOLUTE SAFETY AND SECURITY OF CONFIDENTIAL DATA

Violations of these Terms of Usage

You expressly acknowledge and agree that LibertyAutoLoan.com may keep any communications from you to us or any postings or other communications made by you using LibertyAutoLoan.com or any Interaction Service or other services offered on or through LibertyAutoLoan.com. We may also disclose such information if we are required to do so by law or if, in our sole judgment, we determine that such disclosure is necessary to enforce this Terms of Use, ensure compliance with any legitimate legal process, respond to any claims that such data in any way violates the rights of others, or to protect LibertyAutoLoan.com, its owners, employees, contractors, partners, affiliates, licensors and licensees, or its employees, users of, or visitors to LibertyAutoLoan.com, and the general public at large.

Information we have about you, which may include your identity, may be disclosed by us to others if, in our sole judgment, we determine that such disclosure is necessary in connection with a complaint or investigation with regard to your use of LibertyAutoLoan.com. We may also disclose information about you in order to contact you or bring legal action against you, or any other person, who may be causing injury to LibertyAutoLoan.com, our general rights or property, or the rights or property of visitors, users, or customers of LibertyAutoLoan.com. At all times we reserve the right to disclose any information that is deemed necessary when we determine that applicable law requires or permits such disclosure, including exchanging information with other organizations for the purposes of fraud protection and prevention.

If we determine that you have, in any way, violated this Terms of Use or any other agreements or terms which may be associated with your use of LibertyAutoLoan.com, without limitation to any other portion of this Terms of Use, you acknowledge and agree that we may, without notice, terminate your access to LibertyAutoLoan.com. In addition, you also acknowledge and agree that any violation by you of this Terms of Use will cause significant and irreparable harm to us for which monetary damages would be inadequate. Because of this, in any such circumstances, you consent to LibertyAutoLoan.com obtaining any injunctive or equitable relief (without posting bond or proving actual damages) deemed necessary in addition to any other remedies LibertyAutoLoan.com may have at law or in equity.

Copyright Information

LibertyAutoLoan.com is owned and operated by Edge Marketing, LLC. Any and all content appearing on LibertyAutoLoan.com, including the site concept and design, written content, graphics, images, logos, icons, interfaces, and the site technological development, arrangement and assembly are the sole property of Edge Marketing, LLC, © 2012 Edge Marketing, LLC, all rights reserved.

You are given permission by us to electronically copy and/or to print portions of the web site for the purpose of submitting a Credit Application form, inquiring about or placing an order for products or services offered on LibertyAutoLoan.com, or for personal use in any research you are conducting or personal purposes. Any and all other uses of the content and materials provided on or through LibertyAutoLoan.com, including but not limited to, reproduction for purposes other than those noted, and any display, modification, transmission, distribution or reproduction of the web site or the content provided therein, is strictly prohibited without prior written permission of Edge Marketing, LLC. Any trademarks owned by third parties are trademarks of their respective companies.

This Terms of Usage is governed by the laws of the State of Colorado, United States of America. LibertyAutoLoan.com can be accessed from all 50 States and the District of Columbia, as well as from countries around the world. If you access this Site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. Because each of these places has laws that may differ from the State of Colorado, by accessing this Site, both you and LibertyAutoLoan.com (Edge Marketing, LLC) hereby consent to the exclusive personal jurisdiction and venue of the federal district and state courts in the State of Colorado, United States of America, in any and all disputes arising from or relating to the use of LibertyAutoLoan.com or the material, content, products, or services available through LibertyAutoLoan.com. You also agree that the statutes and laws of the State of Colorado, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to the access and use of LibertyAutoLoan.com. Use of LibertyAutoLoan.com or the material, content, products or services available through LibertyAutoLoan.com is not authorized in any jurisdiction that does not give effect to all provisions of Terms of Use, including this paragraph, without limitation. You agree that no joint venture, partnership, employment, or agency relationship exists between you and LibertyAutoLoan.com or Edge Marketing, LLC as a result of this Terms of Use or your use of LibertyAutoLoan.com or the material, content, products or services available through LibertyAutoLoan.com.

Other Information and Notices

You acknowledge and agree that all electronic communications, including notices, disclosures, and other information that are provided to you by us satisfy any and all legal requirements that such communications be in writing.

You acknowledge and agree that any and all causes of action arising out of, or relating to the use of, LibertyAutoLoan.com or the Interaction Services, material, content, products or services that are or may be made available through LibertyAutoLoan.com shall be resolved on an individual basis, without resorting class action in any form.

The section titles and other headings contained in this Terms of Usage are included solely for the reader’s convenience and have no contractual or legal effect. Failure on the part of LibertyAutoLoan.com to enforce individually any right or provision of this Terms of Use will not be deemed a waiver of future enforcement of that provision or any other provision of this Terms of Use.

In the event that a court of competent jurisdiction finds any portion or provision of this Terms of Use to be unenforceable, that portion or provision is deemed severable and does not affect the validity and enforceability of any remaining provisions.

You agree and acknowledge that this Terms of Usage constitutes the entire agreement between you and LibertyAutoLoan.com regarding the subject matter hereof.

Consent for SMS/Texting

If a mobile number is provided on our application, one or more related lenders, auto dealers, affiliates, and/or LibertyAutoLoan.com may text you information about your application or about other information requests made by you. LibertyAutoLoan.com, its related lenders or auto dealers do not charge to send or receive text messages as part of our application process. However, messages and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.

Once your mobile device has been activated, you may text STOP to the Common Short Code (“CSC”) number (CSC is either a five or six digit number) on your mobile device to opt-out of this service regarding the status of your application. Supported mobile service providers include: Alltel (part of Verizon), Appalacian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless

We may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms in our Agreement of Use from time to time without notice. Please review this Agreement of Use from time to time so that you are timely notified of any changes.

Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. You obligation under this paragraph shall survive termination of the Agreement of Use, SMS Statement Notification are provided for your convenience only.

Questions or Concerns

Thank you for taking the time to review the LibertyAutoLoan.com Terms of Usage. Should you have any concerns or questions about these terms or your use of LibertyAutoLoan.com as these terms relate to that use, please contact us at [email protected].

Please make sure to print and keep a copy of these Terms of Use for your records.

© 2012, Edge Marketing, LLC. All rights reserved.